re: Tired Of Pinching Pennies!!

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We bought a larger house thats about 30% of our net income so used our own cash for that

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What do you mean "used our own cash"? Did you buy the house in cash, or is your note 30% of your take home?

If your note is 30% of take home, that's pretty high and can explain why you may feel tight.

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giving to our church (non negotiable priority for us)

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I'm not here to tell you to give or not give to your church. I am here to say that I don't belive God wants you living poor to give to the church. Also, the church I used to give to used to emphasize giving time, talent, and treasure. A lot of people gave a lot more of the first two, and they were loved by all.